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UmweltBank AGFRA:UBK -0.27%58 Equity-to-Asset is 0.04 as of Dec. 2025, which is at its 10-year median of 0.04. GuruFocus rates FRA:UBK with a GF Score™ of 58/100 and a GF Value™ of €8.52 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 1,517 Banks companies, UmweltBank AG ranks worse than 95.32% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. UmweltBank AG's Total Stockholders Equity for the quarter that ended in Dec. 2025 was €258.90 Mil. UmweltBank AG's Total Assets for the quarter that ended in Dec. 2025 was €7,030.98 Mil.
Therefore, UmweltBank AG's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.04.
The historical rank and industry rank for UmweltBank AG's Equity-to-Asset or its related term are showing as below:
FRA:UBK'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.03 Med: 0.04 Max: 0.04
Current: 0.04
During the past 13 years, the highest Equity to Asset Ratio of UmweltBank AG was 0.04. The lowest was 0.03. And the median was 0.04.
FRA:UBK's Equity-to-Asset is ranked worse than 95.32% of 1517
companies
in the Banks industry
Industry Median: 0.1
vs FRA:UBK: 0.04
UmweltBank AG (FRA:UBK) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
UmweltBank AG Equity-to-Asset Related Terms
UmweltBank AG Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for UmweltBank AG's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, UmweltBank AG's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
UmweltBank AG Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, UmweltBank AG's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where UmweltBank AG's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
UmweltBank AG's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
UmweltBank AG (FRA:UBK) has a Equity-to-Asset of 0.04 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on UmweltBank AG and its competitors. This is near median its historical median of 0.04. Over the past decade, UmweltBank AG's Equity-to-Asset has ranged from 0.03 to 0.04. According to the industry distribution chart, UmweltBank AG ranks #1446 out of 1517 companies in the Banks industry, placing it in the top 95.3%.
Is UmweltBank AG's Equity-to-Asset too high?
UmweltBank AG's current Equity-to-Asset of 0.04 is near median its 10-year median of 0.04. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.04. The Banks industry median Equity-to-Asset is 0.10. UmweltBank AG's value of 0.04 is 60% below this industry median. Based on the distribution chart, UmweltBank AG ranks #1446 out of 1517 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, UmweltBank AG has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does UmweltBank AG's Equity-to-Asset compare to USB and PNC?
According to the Banks industry distribution chart, UmweltBank AG ranks #1446 out of 1517 companies for Equity-to-Asset. This places UmweltBank AG in the lower half of its industry. The industry median Equity-to-Asset is 0.10. UmweltBank AG's value of 0.04 is 60% below this benchmark. Historically, UmweltBank AG's own Equity-to-Asset has ranged from 0.03 to 0.04 over the past decade. While the company's 10-year median is 0.04 vs. the industry median of 0.10, UmweltBank AG has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UmweltBank AG's current Equity-to-Asset of 0.04 is 60% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on UmweltBank AG and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UmweltBank AG's current Equity-to-Asset is 0.04, which is near median its own 10-year median of 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UmweltBank AG stock overvalued right now?
Based on GuruFocus' analysis, UmweltBank AG (FRA:UBK) is currently considered Possible Value Trap. The stock's GF Value™ is €8.52, compared to a current price of €3.71 — trading 56.5% below its estimated fair value. The current Equity-to-Asset is 0.04, which is near median its 10-year median of 0.04 and 60% below the Banks industry median of 0.10. UmweltBank AG's overall GF Score™ is 58/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For UmweltBank AG (FRA:UBK), the current Equity-to-Asset is 0.04 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is UmweltBank AG (FRA:UBK) Overvalued in 2026?
Based on GuruFocus' analysis, UmweltBank AG stock appears to be undervalued.
The current stock price of €3.71 is trading 56.5% below its estimated GF Value™ of €8.52.
GuruFocus considers UmweltBank AG to be Possible Value Trap.
Key valuation signals for FRA:UBK:
Equity-to-Asset: 0.04 (near median its 10-year median of 0.04)
GF Value™: €8.52 vs. price of €3.71 (56.5% below fair value)
Industry Position: 60% below the Banks median (#1446 of 1517)
No single metric tells the full story. See the FRA:UBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
UmweltBank AG provides commercial banking services. The company offers various deposit products; savings accounts and bonds, investments, current accounts, and environmental accounts; and loan and financing products. The company offers its products for solar energy, wind and hydropower, combined heat and power station, low-energy construction, environmentally-friendly production, and organic farming and recycling fields.
58GF Score
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